<![CDATA[The default case involving PT Dana Syariah Indonesia has attracted significant public attention due to its impact on lenders and its implications for the credibility of the sharia financial technology industry in Indonesia. This study aims to analyze the legal protection afforded to lenders affected by the default and to evaluate the implementation of the principles of amanah (trustworthiness) and justice in sharia fintech operations. The research employs a normative juridical method using statutory, conceptual, and case approaches. The analysis is based on Law Number 21 of 2008 concerning Sharia Banking, Financial Services Authority Regulation Number 40 of 2024 concerning Information Technology-Based Co-Funding Services, and Fatwa DSN-MUI Number 117/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles. The results indicate that sharia fintech providers are legally required to uphold transparency, prudence, accountability, and the protection of fund providers. However, the default experienced by PT Dana Syariah Indonesia demonstrates a discrepancy between regulatory standards and their practical implementation. This condition has resulted in legal uncertainty and financial losses for lenders while raising concerns regarding compliance with sharia principles. Therefore, stronger regulatory supervision, effective legal protection mechanisms, and stricter adherence to sharia governance are necessary to ensure legal certainty and maintain public confidence in the sharia fintech sector.]]>
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